In Russia, where 75% of the population consider themselves Orthodox, the principles of faith could be the moral basis for the financial system. Interest-free loans, investment on a good cause and the Deposit for the faithful... How would the banking world, if in our country there is ethical banking? "the Benefit could be not only material" "Contribution in the reliable Bank," — reads the inscription on the window of the offices of one of the Orthodox banks. "And as soon as the FAS missed this ad? — Ivan thought as they passed by. On the other hand, that is true. For all five years that in Russia there are Orthodox banks about any theft or fraud, no one knows. Maybe the Orthodox fine-tuned PR, and such information is simply not seeping into the media. But...

The Russian banking sector remains attractive to foreigners, but they still evaluate the economic business risks as high. Banks.ru figured out how plans and business "daughters" foreign banks in Russia will be affected by recent turmoil in our banking system. Not recovered from the crisis the Gradual recovery of the growth rate of the economy from mid-2016, the rate of the Central Bank rate and increased the lending market has led to some revival of business "daughters" the large foreign banks that in the crisis of 2014-2015 is actively reduced. the crisis In 2014-2015, characterized by sanctions, lower oil prices, deep devaluation of the ruble, falling incomes, emergency increase the key rate from 10.5% to 17% (in December 2014) and, as a result...

In the Summer of 2017 researchers at Check Point Software Technologies have discovered a Fireball malware that affects browsers, can manage traffic, and to retrieve and run any other malware on a victim's computer without her knowledge. Worldwide contamination covered 250 million computers. the Virus for every fourth company a Variety of tools with which hackers implement their criminal goals, grow with the advent of new technologies, devices and approaches to computing. For example, when smartphones have become extensions of our hands, the number of mobile threats started to grow exponentially. Analysts around the world are constantly searching for and finding vulnerabilities in mobile platforms and gadgets, IoT devices, web platforms, social networks and...

The Algorithm will be the underwriter of the savings Bank and will make decisions about the creditworthiness of the borrowers, analyzing their "digital traces" in social networks. This is not a snippet from a new book by Pelevin, but a reality, which will come in the next year. Banks.ru figured out how to create a perfect virtual image of the borrower. Vladimir Central, like going Sberbank in 2018 is planning to launch the model scoring borrowers on the psychological portrait, which is determined on the basis of "digital footprints". "Now it's a prototype, which we study with the full consent of customers who are involved in this," — said senior Vice-President, the head of the "Risks" of the savings Bank Alexander Vedyahin. In 2018, the Bank plans to launch...

Your budget plan, only 25% of Russian families, a secure retirement seeks a third of Russians. Banks.ru has collected tips from experts for those who want to take control of the finances in their hands, but not ready to turn into a control freak in the sphere of money. a Mediocre life. That is life on drugs Financial literate citizen should "monitor the status of personal finances, plan your income and expenses, generate long-term savings and "financial cushion for unforeseen circumstances." This is stated in approved by the Ministry of Finance in late September the strategy of improving financial literacy of Russian citizens to 2017-2023. And a citizen needs to live within its means, rationally choose financial services and to avoid disproportionate income...

Customers VTB 24 complaining that the Bank didn't notify them about the given tariff Privilege package updates. The fact is that since July, entered into force the new edition of tariffs, changing the criteria of the free provision of services. Banks.ru understood, from-for what there was a massive problem. neither sleep Nor spirit In "National ranking" Banks.ru began to appear numerous reviews from disgruntled clients of VTB 24 that are holders of packages "Privilege". Users complain that in the middle of the summer, the Bank changed rates, making annual maintenance package for a discounted pay-informed categories. "I am a customer of this Bank. Were issued a mortgage in 2016, and then in the office I was offered a service "Privilege." Its basic advantage...

Correspondent Banks.ru found in the stairwell of his house a list of rooms, apartments, residents of which there was a large debt for utility services. The management company called in the shortest time to repay the debt, threatening otherwise to shut off the drain, turn off water and light. That's an option? Professional. This practice is widespread, but contrary to the law, emphasize the surveyed Banks.ru experts. And to sense from it a little: the procedure of blackouts and water in the apartment is often costly and technically complex. Deadbeat will only continue to increase debt and will be entitled to challenge the actions of the management company in the prosecution and trial. the Location of the claimants is not required by law and the Housing...

Russia, 2018. The state Duma adopted laws to legalize cryptocurrency. The exchange of rubles for bitcoins is now a legitimate operation. Miners come out of the shadows. Will this lead to the fact that Russia will become an international cryptovirology center, or, on the contrary, capital is more actively flee from the country via crypto currencies? Banks.Roux asked the experts to take part in a thought experiment and tell me how to change the history of the country, if the government believed in a world of decentralized Finance. on 25 September in the corporate University of Sberbank, the state Duma discussed prospects of development of blockchain technology and cryptocurrency in Russia. As followed from the speech of the head of the Committee on financial...

Less than a month, the Central Bank took control of two large private banks — "Open" and Binbank. In the next 3-4 years, to privatize them is unlikely. Banks.ru figured out how it will look banking sector on the background of the probable appearance of the third giant of the state Bank of rehabilitated. the New nationalization is inevitable Since July 2013 when Elvira Nabiullina led the Central Bank and initiated the sector reform, the number of operating banks decreased by 1 August by nearly 400, to 582. The concentration of assets in the five largest (Sberbank, VTB Bank, Gazprombank, VTB 24 and Rosselkhozbank) had grown to 56%, and after the reorganization "FC Opening" (the eighth in terms of assets) at the end of August and b & n (12) in September, the...

September 12, Apple launched three new phone models: iPhone 8 and iPhone 8 Plus, as a continuation of the current line, and an innovative jubilee iPhone X. Banks.Roo studied the innovations of the iPhone and along with the experts have dreamed, what functions can appear in the following model. "Ten" surprised more than "eight" "Eight" did not much surprised. They differ from the previous models, better performance, better camera and wireless charging standard Qi. But the iPhone X (X is not the letter "x" and Roman numeral "ten") has caused a strong reaction users. In the social media debate and heated discussions about the new product, discussed the pros and cons. People wondered: is it worth buying the new model and why? a Lot of the jokes were on the...

Of the Regional program of preferential mortgage does not give the desired effect. Not much help and the reduction in mortgage interest rates. To make mortgages available, we need de-monopolization of the banking sector. Even though certain recent developments in the banking market. Mortgage stumped In August the Sberbank has announced another decline in mortgage rates. For loans to purchase real estate in new buildings are dropped to 7.4%, while in the secondary market up to 8.9%, whereas in June, according to Central Bank data, the weighted average rate on mortgage loans in Russia amounted to 11.1%. Softened were the requirements on the initial installment for the purchase of finished housing: if earlier the borrower had to put down 20%, now only 15...

80-e years of the XX century are associated with extravagant costumes, music of Depeche Mode, Star wars. And the Minister of economic development of the Russian Federation — with Reaganomics. According to the Minister, Russia is approximately at the same stage of development that America, under Ronald Reagan 35 years ago. Is it really so? the Minister of economic development of Russia Maxim Oreshkin compared the current situation in the Russian economy with the development of the American economy in the first half of 1980-ies, when the U.S. had achieved low and stable inflation, and this opened the way for positive credit cycle, which lasted 27 years. He stated this at a meeting of the Executive Committee of the Advisory Council for foreign investments...

Company or an individual, "mimic" under new or existing banks, — the old "corn on the heel" of the financial market. On average once a week in Russia it is possible to detect pseudobark. For example, the new Elios dubious Bank — Export Finance Bank is seen as the growing "professionalism" of the attackers. the Story of our "Dating" Another questionable Bank in Russia, the portal Banks.ru found at acabank.ru. The organization calls itself Elios — Export and Finance Bank, unlike many other Pseudomonas, has a valid personal account for the client, as well as a fairly talkative person to many questions. From time to time. According to the aforementioned website, Elios — Export Finance Bank 2012. However, according to Ru-Center domain with the same name was...

Gold rush returned to earth in modern, high-tech guise. Hundreds of millions of dollars in just a few minutes to collect advanced ICO (Initial Coin Offering). It's much better than searching for gold. Really cooler? Eldorado in your monitor For the extraction of gold required to get to the right place to bring equipment to risk life and constantly struggle with household adversities. With ICO no such problems. The money can be taken here and now, not departing from the usual monitor... in theory. When people were mining gold, it was enough to have at least a pick and a pan for rinsing. And then as lucky. Some fabulously lucky. However, such winnings were hundreds of times less than those who have not received anything or even died on the way to the fabulous...

What is in store for Russia "too low" inflation, and that may be taken by the Central Bank, if it continues to fall? 4% by the end of 2017 — this goal for inflation, you have set ourselves personally, and the Bank of Russia Elvira Nabiullina, a year ago seemed unattainable. Neither the economists, nor the inhabitants had no reason to believe that prices could "stoop so low". Today, inflation in Russia in annual terms is 3.3%. But too early to rejoice: a low price increase speaks not only of the wise policy of the Bank of Russia, but also about the difficult situation in the economy — low economic activity, sluggish economic growth and weak demand. What would it mean for Russia "too low" inflation, and that may take the Bank? the Four assistant Nabiullina a...